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Estate planning and Inheritance Tax

Passing on your assets and managing an Inheritance Tax bill

People speak to us about estate planning for many different reasons. Some want to provide for the next generation or leave money to charity when they die, others want to cut an Inheritance Tax bill. Whatever your priorities are, the sooner you start thinking about estate planning the more you can do.

Will you leave an Inheritance Tax bill?

Our financial planners can work with you to understand how much Inheritance Tax your beneficiaries may have to pay. They will review the structure of your estate and could recommend changes, for example moving ownership of investments to your spouse. They may also consider the effects of possible future costs, such as long-term care fees.

We can show you how much Inheritance Tax your beneficiaries may have to pay and create a strategy for passing on your money and other assets.

After this you can work together on a strategy for passing on your money and other assets. Your financial planner will be able to calculate how much you could potentially give away without affecting your normal lifestyle or future plans, and show you the best way to make your gifts.

Control over how your money is passed on

You have worked hard to build your wealth so it is natural to want control over how it is passed on. Perhaps you want to choose when the money is given and what it is spent on? You may want to give away cash while still taking income from it?

With families growing and relationships changing, your priority could be to make sure the money stays within your family. There are several ways to keep some control over how your money is passed on – we can talk you through the options and help you make a decision.

The importance of a Will

Many people choose to make financial gifts during their lifetime, but only a Will can ensure your plans are successful when you are not around. We can review your Will to make sure it reflects your plans, or if necessary put you in touch with specialist solicitors who will help you to write yours.

The value of your investment can go down as well as up, and you can get back less than you originally invested.

Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Group, upon request and on a fee basis. Before investing in funds please check the specific risk factors on the key features document or refer to our risk warning notice as some funds can be high risk or complex; they may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest. Prevailing tax rates and relief are dependent on your individual circumstances and are subject to change. Please note we do not provide tax advice.